Live on Solana devnet
Rotating savings,
onchain and on time.
Circles brings the traditional rotating savings model onchain. Pool USDC with people you trust, contribute each round, and receive your payout when it's your turn. Every member gets a name.heycircles.sol identity, free.
SOLANA DEVNET · NO FEES · NO REAL FUNDS AT RISK
Lagos Founders Circle
Round 3 of 5 · monthly · heycircles.sol
cipher.heycircles.sol
+800.00
nova.heycircles.sol
+800.00
3
emeka.heycircles.sol
800.00
4
ada.heycircles.sol
5
harrie.heycircles.sol YOU
Pot this round800.00 USDC
Round payout received
Lagos Founders Circle · Round 2
+800.00 USDC
Reputation score
Computed onchain
How it works
A circle of trust, settled in seconds.
Four steps. Same model your grandmother used. Now enforced by code.
01
Form your circle
Set the contribution, member count, and cycle. Invite friends or list publicly. Rotation order is randomized onchain at the start.
02
Share your circle
Send the pool link and your group joins in one click. Once everyone is in, rotation order is set onchain and the first round opens automatically.
03
Contribute and rotate
Every cycle, all members contribute. The full pot goes to one member in order. The smart contract executes automatically, no admin needed.
04
Build reputation
Timely contributions raise your score. Higher scores get into higher stake circles. One bad pool leaves a permanent mark on your wallet.
Built for the way you saveEverything a circle needs.
Everything a circle needs.
Nothing it doesn't.
CORE
USDC pools, fixed terms
Pick your contribution, member count and cycle once. The smart contract handles escrow, payouts, and refunds automatically.
Contribution100 USDC
Members8 / 8
CycleMonthly
Pot800 USDC
Phone number login
No seed phrases. Sign up with an SMS code. Your key lives behind a passkey, only you can use it.
Slash by majority vote
If a member misses a contribution, the rest can vote to slash their collateral. The pot is made whole automatically.
Onchain reputation
Every completed pool, every timely contribution, and every default is recorded against your wallet. Forever.
Discover marketplace
Browse public circles by reputation, contribution size and cycle. Join in two clicks.
Your heycircles.sol name
Every member gets a unique name.heycircles.sol subdomain. A permanent Solana identity that works across wallets, explorers, and every SNS app.
Instant settlement
Solana fees cost fractions of a cent. Payouts land before the round ends.
Why Circles is safe
Trust, but enforce.
Traditional ajo runs on social pressure. That works — until it doesn't. Circles keeps the social model and adds the part that money needs: enforcement.
No custody escrow
Funds sit in an Anchor program, not a company wallet. We can't touch them.
Open source contracts
Read every line on GitHub. Programs are immutable once deployed to mainnet.
Devnet live, mainnet next
Every instruction is on devnet now — create pools, contribute, slash, withdraw. Mainnet launches once the audit clears.
No admin keys
No upgrade path that bypasses members. Slash decisions require a majority vote onchain.
#[program]
pub mod circles {
pub fn contribute(ctx: Context<Pay>) -> Result<()> {
let pool = &mut ctx.accounts.pool;
require!(pool.round_open, Err::Closed);
transfer(ctx.accounts.into(), pool.amount)?;
pool.contributions[pool.round] += 1;
if pool.contributions[pool.round]
== pool.members.len() {
payout(pool)?; // auto-execute
}
Ok(())
}
}Circles is a trustless rotating savings app on Solana. A group pools USDC each cycle and one member takes the full pot in turn, until everyone has received once. The smart contract handles escrow, payouts, and enforcement automatically.
Start your first circle.
No fees on devnet. Sign up in 30 seconds. Bring your circle, or join an open one.